The biggest culprit, and one that I am guilty of, is telling a child, "No, we can't afford it" when they're begging for a cheap toy at the store. Those are toxic words that can cause unnecessary worry. Instead, tell the child "No" along with an explanation they can process. Something like, "No, we're saving up for our big summer road trip, remember?"

By tying the "No" to something they can relate to, they'll process the information easier and not worry about what else mom and dad can't afford.

Check out the article below for other great tips on how to talk with kids about money.